Holiday Loans

A holiday loan will help you get through the Thanksgiving, Christmas, Hanukkah and the new year.  White Sands FCU is an excellent source for your next holiday loan.

We know the holidays can be stressful enough without worrying about how to afford them. Worse yet, the shopping season always seems to arrive before you’re really ready for it or prepared with adequate savings. That’s why we offer several different personal loan options to help keep you in the holiday spirit without busting your budget – this season, consider a holiday loan from White Sands FCU. Holiday loans can be used for purchasing gifts, holiday travel, or any other holiday expense. Holiday loans feature:

  • Low rates and terms up to 5 years
  • Borrow up to $20,000
  • Apply online, by phone or in person
  • No payments for 90 days (on personal and secured loan)

Our holiday loan  rates are competitive and payment terms are affordable.  Apply online, by phone or in person.

Personal Loan Rates

APR: Annual Percentage Rate. Rates subject to change without notice.
Loan rates and terms are determined by credit score, amount financed and other factors.
 TermAPR* as low asAPR* as low as - with Loyalty Plus
Signatureup to 60 months7.95%7.70%
Line of Creditrevolving7.95%7.70%
Share Securedvaries2.00% above dividend rateN/A
Share Certificate Securedvaries2.00% above dividend rateN/A
*Rates and terms may vary. Subject to credit approval.

DocuSign®

We've made getting a loan even easier and more convenient. We now offer members the option of signing their auto and unsecured loan applications electronically using DocuSign.  DocuSign is a simple yet secure system that allows us to send you loan  documents and get your signature electronically, saving you a trip to the branch or from waiting for paperwork by mail. As long as you have internet and email access, you can use DocuSign. It's free and immediate and you can sign from any type of smartphone, tablet, or computer.

Apply Now  |  Loan Payment Calculator

CONTACT US

Contact our Call Center at
(575) 647-4500 or (800) 658-9933.

Hours of Operation:
Monday thru Friday, 8 am-5 pm

By email: info@wsfcu.org

By mail: P.O. Box 99 Las Cruces, NM 88004

2755 North Main St, Las Cruces NM 88001

Routing & Transit # 312276470

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. Government Agency.  Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

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